Chapter 107 Financial rectification

People will change.

It was just that Zhou Mengchen's changes made Zhang Juzheng even more surprised. He thought Zhou Mengchen was good at studying miscellaneously, math was good, and talent was also good. But after so many years, he realized where it was good. He clearly had a clear cone in his pocket and the end of it would appear. He thought it was good before, but Zhou Mengchen encountered only these small things. Now he realized how profound Zhou Mengchen's knowledge was in this area.

Now, Zhang Juzheng’s ideas about Zhou Mengchen are difficult to understand.

Although Zhou Mengchen and Zhang Juzheng were both reformists, Zhang Juzheng was more thinking about problems within the traditional framework, thinking about solutions on land such as land, taxes, taxes, and service. He could not grasp Zhou Mengchen's imagination at all.

Zhou Mengchen didn't expect Zhang Juzheng to think so much. As before, he said, "Actually, I don't know what the Ministry of Revenue thinks. I just put some money there, but I don't even collect it."

Zhang Juzheng said, "What are you talking about?"

Zhou Mengchen said: "I'm talking about the bank."

In fact, Zhou Mengchen wanted to promote the Ming Dynasty to formulate policies on banks more than once. However, he could not push him out if he was not in his position and did not plan his own policies.

The entire tax collection model is not complicated, but many Mobei in the Ministry of Revenue seem to be blind and deaf, and they just don’t do it. Zhou Mengchen’s previous plans were all hanging here.

Zhou Mengchen had nothing to do.

After all, he is not the Minister of Revenue after all, so it would be fine if he talks a little more. Zhou Mengchen is also a senior official, so he naturally has the right to speak. But it would be wrong to keep making trouble.

When Fang Dun is there, he will still put in this regard. After all, it is money. But after Fang Dun stepped down, many people don’t know what to do about this new thing. So they don’t care.

After all, if you do something wrong, you have to take responsibility. If you do it well, it is the credit of others.

In this way, nothing else can be done.

So, when talking about making money, Zhou Mengchen thought of this from the beginning.

In a word, it is to formulate a bank law, requiring local banks to pay reserves and then collect stamp duty on bank notes. Zhou Mengchen is very clear that all banks such as Yellow River Bank, Sihai Bank, Jiangnan Bank, etc. have already reached about one trillion taels of capital.

Of course, it is not because they have so much capital. They have not had so much cash. I have said that the bank has become a trick before, so I won’t talk about it here.

But no matter how the bank operates, as long as you let the bank operate, you will definitely get as many as millions of taels. And Zhou Mengchen also knew that there were actually many businessmen who wanted to run a bank.

After all, the Ming Dynasty merchants were not only Shanxi merchants, but also Hui merchants, and Jiangnan merchants. There are business groups of all sizes in various places, and they have certain financing channels within them, but they are incomparable to banks.

Relax the bank access system and adopt a deposit system.

Zhou Mengchen even prepared to set up headquarters in the capital and form a bank group when necessary. What should we do? Naturally, it is to do government business. In modern countries, there is no place that does not borrow money.

Zhou Mengchen had to build a treasury bond market at least.

Of course, Zhou Mengchen also felt that it was too simple and there were too many loopholes. But it didn't matter. After the generations of operations in the future, it would naturally be perfected. At the same time, it would also be considered as giving the kings of the Ming Dynasty more room for policy.

Not to mention anything else, when you have no money to fight, you can borrow money. Before these banks go bankrupt, the Ming Dynasty can have more money. At least you won’t be able to get any money.

At the same time, Zhou Mengchen was also preparing to order it to target law enforcement, which was targeted either by usury.

After all, the Ming Dynasty strictly prohibits usury, and the interest can be the same as the principal at most. It cannot be exceeded. However, if the law is not enforced, it is just a piece of paper. And it is useless to enforce it. After all, a gust of wind passes, what should it be like and what it will be like.

At most, one person will be replaced with usury.

Now that we have a new channel for banks, if the garbage is not cleaned, they will not die on their own. Although the bank has been around for a long time, it is still a bit unfamiliar to the common people in the market.

So those pawnshops and gold and silver shops still exist in large quantities. Of course, this is because the bank threshold is too high and the number is too small.

Zhou Mengchen was preparing to carry out a major cleaning nationwide and handle all these usury stores. Not to mention anything else, Zhou Mengchen could make a fortune after this major case alone.

Maybe someone would ask. These shops are never something that ordinary people can do. They are all run by powerful local people. Zhou Mengchen did a big cleaning like this. He is not afraid that many places will not be able to be cleaned.

Zhou Mengchen was naturally not afraid.

First, many things are not done in one go. Zhou Mengchen does not have such fantasy. Second, Zhou Mengchen actually has not much demand for cleaning these people’s stores. Some people have a greater demand. Who?

Shanxi merchants, Hui merchants, Jiangnan merchants, and imperial merchants who depended on Jiajing. Most of these people participated in the banking industry.

While making money, they have become direct competitors with these gold and silver shops and pawn shops.

A showdown between the cross-river dragon and the local snake has been formed.

These banks have tens of millions of capital, and their relationship is directly connected to the court. Naturally, they are very powerful. However, gold and silver shops and pawnshops are only made by powerful local families. And almost all local gentry run such industries.

Because they have no capital and profit. They have privileges in the local area and are not afraid that those who borrow money will not pay back the money. They do not pay back the money and sell their children, and finally sell themselves.

Crossing the river dragon can't do anything to these local snakes for a while.

If Zhou Mengchen took action, he would naturally give these crossing dragons great convenience. These crossing dragons begged Zhou Mengchen, not the other way around.

In addition, Zhou Mengchen also wanted to make trouble with the currency. Although silver coins had been created, silver was still in circulation. Moreover, the problem of copper coins was not small. It can even be said that the problem of private casting of copper coins is even more serious than the problem of fire consumption of silver coins.

Therefore, Zhou Mengchen also wanted to take advantage of this time to clean up the problem. There is no need to eradicate the roots. However, he also had to use silver coins and official copper coins to form the mainstream of the market.

Are you still afraid of not having money in this way?

In other words, Zhou Mengchen still attacked the other. As for the fact that he would offend some people, he would offend him. Since Zhou Mengchen was going to take charge of major reforms, he never thought of being a good man.

Anyway, if a politician becomes a good man, it means that this person is not good.

Even if Xu Jie hides needles in the cotton, but for Yan Dang, is Xu Jie a good man?

Of course not.

Zhou Mengchen told Zhang Juzheng everything he thoughts.

Zhang Juzheng listened very carefully. The two of them talked about each other for several hours, and even had supper in the room.

It was busy until late at night that Zhang Juzheng and Zhou Mengchen had a plan. Zhang Juzheng touched his forehead and said, "This time, the voice of the people in the future will not be good."

Most of the people who can set up gold and silver shops and pawnshops are literati and officials.

If they were tormented, Zhou Mengchen and Zhang Juzheng would not have a good reputation.

Zhou Mengchen sneered and said, "Among the scholars and officials, some people also need metabolism."

In Zhou Mengchen's view, the scholars and officials of the Ming Dynasty were divided into two categories. Those who were willing to embrace a new production model and a new production relationship were their allies and assistants. To put it bluntly, the reform was a vested interest group, replacing another vested interest group.

If the policy is very good but not cultivated and represents new interests, then the reform will be easily counterattacked.

Zhou Mengchen knew very well what he wanted to do? It was to let the scholars who gain benefits from the development of science and technology, opening up trade, capital proliferation, etc. replace the traditional exploitation of the people, and wished to treat the people as slaves.

Some ruthless tricks are inevitable.

Zhou Mengchen had been mentally prepared for a long time.

Even if these scholars and officials who have entered the capitalists with one foot, some of them are not good birds in nature. But after all, they represent a new direction of development of productivity. What Zhou Mengchen has to do now is to help these people up.
Chapter completed!